PEO 91% chance of beating Fully Insured
$103,033
median five-year savings
+16% expected savings
5th−$39,03525th$57,585 75th$132,84295th$160,056
Wyoming Health-Plan Funding Guide
Wyoming 2026 funding analysis (archived)
Plan year 2026 · archived results View the Wyoming 2027 analysis
Compare your options based on what matters most: Year 1 cost, five-year savings, and the likelihood of outperforming Fully Insured.
10 Employees
WY 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Wyoming market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO91%
Level-Funded70%
Taft-Hartley6%
Five-year median and percentile savings vs staying Fully Insured
PEO $103,033
Level-Funded $59,248
Taft-Hartley −$24,131
5th to 95th percentile 25th to 75th Median
Level-Funded 70% chance of beating Fully Insured
$59,248
median five-year savings
+2% expected savings
5th−$261,91925th−$25,616 75th$94,93895th$117,039
With additional cost containment: $127K to $231K more potential savings; win rate rises to ~92%.
Taft-Hartley 6% chance of beating Fully Insured
−$24,131
median five-year savings
-4% expected savings
5th−$47,66325th−$33,302 75th−$13,62295th$2,592
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 per employee/month is the baseline. Every savings figure above is measured against it.$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianPEO · $103,033
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 10 enrolled employees. Actual quotes and underwriting can materially change results.
30 Employees
WY 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Wyoming market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO91%
Level-Funded85%
Self-Funded Captive87%
Taft-Hartley6%
Five-year median and percentile savings vs staying Fully Insured
PEO $309,098
Level-Funded $334,393
Self-Funded Captive $287,261
Taft-Hartley −$72,394
5th to 95th percentile 25th to 75th Median
PEO 91% chance of beating Fully Insured
$309,098
median five-year savings
+16% expected savings
5th−$117,10425th$172,755 75th$398,52595th$480,167
Level-Funded 85% chance of beating Fully Insured
$334,393
median five-year savings
+15% expected savings
5th−$380,07325th$151,237 75th$413,65695th$478,379
With additional cost containment: $325K to $516K more potential savings; win rate rises to ~98%.
Self-Funded Captive 87% chance of beating Fully Insured
$287,261
median five-year savings
+14% expected savings
5th−$226,39925th$140,818 75th$376,74995th$457,963
With additional cost containment: $335K to $474K more potential savings; win rate rises to ~99%.
Taft-Hartley 6% chance of beating Fully Insured
−$72,394
median five-year savings
-4% expected savings
5th−$142,99025th−$99,906 75th−$40,86795th$7,776
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 per employee/month is the baseline. Every savings figure above is measured against it.$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianLevel-Funded · $334,393
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 30 enrolled employees. Actual quotes and underwriting can materially change results.
70 Employees
WY 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Wyoming market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO50%
Level-Funded86%
Self-Funded Captive98%
Taft-Hartley52%
Five-year median and percentile savings vs staying Fully Insured
PEO $2,055
Level-Funded $305,238
Self-Funded Captive $451,895
Taft-Hartley $20,117
5th to 95th percentile 25th to 75th Median
PEO 50% chance of beating Fully Insured
$2,055
median five-year savings
+0% expected savings
5th−$1,323,15225th−$445,016 75th$586,92895th$1,944,679
Level-Funded 86% chance of beating Fully Insured
$305,238
median five-year savings
+11% expected savings
5th−$259,90025th$111,784 75th$694,51495th$1,891,470
With additional cost containment: $886K to $1.30M more potential savings; win rate rises to ~100%.
Self-Funded Captive 98% chance of beating Fully Insured
$451,895
median five-year savings
+15% expected savings
5th$73,94625th$250,073 75th$833,97695th$2,118,014
With additional cost containment: $858K to $1.13M more potential savings; win rate rises to ~100%.
Taft-Hartley 52% chance of beating Fully Insured
$20,117
median five-year savings
+3% expected savings
5th−$618,61125th−$313,103 75th$583,51895th$1,992,213
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 per employee/month is the baseline. Every savings figure above is measured against it.$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded Captive · ~11% cheaper
Highest modeled five-year medianSelf-Funded Captive · $451,895
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 70 enrolled employees. Actual quotes and underwriting can materially change results.
150 Employees
WY 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Wyoming market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO43%
Self-Funded93%
Self-Funded Captive100%
Taft-Hartley54%
Five-year median and percentile savings vs staying Fully Insured
PEO −$295,946
Self-Funded $1,084,569
Self-Funded Captive $1,106,215
Taft-Hartley $157,434
5th to 95th percentile 25th to 75th Median
PEO 43% chance of beating Fully Insured
−$295,946
median five-year savings
-5% expected savings
5th−$3,394,46125th−$1,403,900 75th$976,45995th$4,293,884
Self-Funded 93% chance of beating Fully Insured
$1,084,569
median five-year savings
+15% expected savings
5th−$183,79125th$601,158 75th$1,811,09095th$4,191,984
With additional cost containment: $1.85M to $2.84M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,106,215
median five-year savings
+16% expected savings
5th$306,52425th$682,400 75th$1,913,38495th$4,416,208
With additional cost containment: $1.86M to $2.47M more potential savings; win rate rises to ~100%.
Taft-Hartley 54% chance of beating Fully Insured
$157,434
median five-year savings
+4% expected savings
5th−$1,478,90325th−$668,663 75th$1,450,31795th$4,665,663
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 per employee/month is the baseline. Every savings figure above is measured against it.$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $1,106,215
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 150 enrolled employees. Actual quotes and underwriting can materially change results.
250 Employees
WY 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Wyoming market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO37%
Self-Funded97%
Self-Funded Captive100%
Taft-Hartley55%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,070,098
Self-Funded $1,950,749
Self-Funded Captive $2,060,161
Taft-Hartley $406,129
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$1,070,098
median five-year savings
-9% expected savings
5th−$6,595,99225th−$3,073,178 75th$1,277,20795th$6,568,230
Self-Funded 97% chance of beating Fully Insured
$1,950,749
median five-year savings
+16% expected savings
5th$304,62825th$1,238,621 75th$3,184,74395th$6,668,214
With additional cost containment: $3.07M to $4.65M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,060,161
median five-year savings
+17% expected savings
5th$614,58925th$1,301,596 75th$3,397,10095th$7,017,257
With additional cost containment: $3.10M to $4.09M more potential savings; win rate rises to ~100%.
Taft-Hartley 55% chance of beating Fully Insured
$406,129
median five-year savings
+4% expected savings
5th−$2,520,91125th−$1,125,845 75th$2,495,01695th$7,604,379
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 per employee/month is the baseline. Every savings figure above is measured against it.$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $2,060,161
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 250 enrolled employees. Actual quotes and underwriting can materially change results.
500 Employees
WY 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Wyoming market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO34%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley56%
Five-year median and percentile savings vs staying Fully Insured
PEO −$2,166,339
Self-Funded $3,782,803
Self-Funded Captive $3,820,289
Taft-Hartley $734,029
5th to 95th percentile 25th to 75th Median
PEO 34% chance of beating Fully Insured
−$2,166,339
median five-year savings
-10% expected savings
5th−$13,132,26225th−$5,762,402 75th$1,550,70495th$10,272,302
Self-Funded 99% chance of beating Fully Insured
$3,782,803
median five-year savings
+16% expected savings
5th$870,37325th$2,336,147 75th$6,153,87795th$13,069,501
With additional cost containment: $6.18M to $8.10M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,820,289
median five-year savings
+16% expected savings
5th$1,159,74125th$2,423,642 75th$6,255,50895th$13,333,760
With additional cost containment: $6.21M to $7.55M more potential savings; win rate rises to ~100%.
Taft-Hartley 56% chance of beating Fully Insured
$734,029
median five-year savings
+4% expected savings
5th−$4,201,72125th−$1,856,836 75th$4,179,38695th$12,129,056
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 per employee/month is the baseline. Every savings figure above is measured against it.$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $3,820,289
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 500 enrolled employees. Actual quotes and underwriting can materially change results.
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